Direct Deposit

Payday comes early

Get your paycheck up to 2 days early.1 With Direct Deposit, it’s sent automatically to your PayPal balance.2 Use the money to send, spend, or pay bills. It’s up to you.

Set Up Direct DepositGet the App
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Automatic. Secure. Fast.

You’ve got options

Paychecks, government payments, and more. Decide if you want all or just part of it in your PayPal balance.

Smart security

Your PayPal transactions are encrypted. That’s added peace of mind when you shop and pay.

Start in the app

We’ll walk you through the steps. It’s easier than you think. You can find all the details in the PayPal app.

Balance has benefits

The PayPal Debit Card3 gives you instant access to your PayPal balance. Use it anywhere Mastercard® is accepted. Plus, get 5% cash back on eligible purchases in a monthly category of your choice.4 Or use your balance to send money5 or get a head start on your bills.

Learn About the Debit Card

How to set up Direct Deposit:

Identify your employer

Find your employer, government agency, or payroll provider.

Verify your identity

Follow the steps to confirm your identity with your employer.

Confirm amount

Deposit your entire check or enter the amount of money you want to go to your PayPal balance.

You’re all set

Once processed, your Direct Deposit will begin within two pay cycles. We’ll notify you each time your money comes in.

Frequently asked questions

More ways to manage

PayPal Savings
 
Cash a Check
 
Add Money
 
Crypto
 
PayPal Debit Card
 
Pay Bills
 

All in the

PayPal app

It’s your do-it-all digital wallet. Load up on offers before you shop. Track your packages. And manage it all on the go.

1
Early access can allow a user to access their funds up to 2 days early. Early access to funds depends on when we get payment instructions from the payor (your employer or government agency). When we get funds before the scheduled payment date, your money can be made available up to 2 days sooner than scheduled. Availability and timing can vary based on the payor and when we get payment instructions. Once the funds are received, they will be deposited directly into your PayPal balance.
2
Direct Deposit is subject to the payor's support of this feature. Funds deposited via Direct Deposit will generally be available on the day we receive the funds transfer. You may review activity on your periodic statements or transaction history on www.PayPal.com, or call Customer Service at 1-888-221-1161 to verify receipt. We reserve the right to accept, reject, or limit transfers via Direct Deposit in our sole discretion. If you wish to cancel Direct Deposits, you must contact your employer. PayPal does not charge any fee to set up or maintain Direct Deposit. Refer to your PayPal Balance Terms and Conditions for complete Direct Deposit details. Once it's set up, Direct Deposit usually takes two (2) pay cycles to begin, but can vary across employers. Please check with your employer for specific timing.
3
The PayPal Debit Mastercard® is issued by The Bancorp Bank, N.A. ("Bancorp"), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal.
PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance Account. See PayPal Balance Terms and Conditions.
If you have opened a PayPal Debit Card Mastercard® account, enrolled in Direct Deposit, or bought or received cryptocurrency with your personal PayPal Balance account, we will place your U.S. dollar PayPal Balance funds in one or more Program Banks, where they will, subject to certain conditions, be eligible for pass-through FDIC insurance, up to applicable limits. FDIC insurance protects you against the failure of a Program Bank, not the failure of PayPal. PayPal is not a bank, does not take deposits and is not FDIC insured. Any other balance funds and all cryptocurrencies are not held in FDIC-insured bank deposits. Cryptocurrencies may lose value. See PayPal Balance Terms and Conditions.
4
5% cash back earned on up to $1000 of selected category spend per month. Cash back awarded as points that can be redeemed for cash or other options. Terms apply.
5
Sending and receiving money requires an account with PayPal. A PayPal Balance account is required to hold and use a balance.